Receiving of Biblical faith?

As I look, Number 2 comes close. Except I would not say it is created like they do. But that it is now available or possible (I can not think of the word I want to use) and it must be acted on (ones response to the gospel)

Would this accord with your understanding of #2?

Romans 10:14,17 KJVS
[14] How then shall they call on him in whom they have not believed? and how shall they believe in him of whom they have not heard? and how shall they hear without a preacher? [17] So then faith cometh by hearing, and hearing by the word of God.

I guess it depends, As worded, # 2 sounds like whoever hears the word, Their faith is automatically created. What if the person hears the word and never comes to faith? It might just be the way I am reading it?

I see what you are saying. As I understand it, Lutherans (#2) believe although the Holy Spirit is needed to illuminate God's Word, unlike (#3) the message can be resisted because God is working through the means of the Gospel and not in His raw power (which no one could resist).

This faith in itself is a gift in that none would go to Him without His call, nor believe it without the eyes and ears to see and hear.

Would you say this call is resistable or irresistible?

(sorry if that was a poor answer 😕... but I figured a personal testimony would demonstrate how I see things)

Which would you say most accurately portrays the way biblical faith comes into a person's life?

Let's leave the labels aside and focus on Scripture.

1. Saving faith comes through (1) the preaching of the Gospel (Romans 10) and (2) by the convicting AND CONVINCING of the Holy Spirit.

ROMANS 10
13 For whosoever shall call upon the name of the Lord shall be saved.

14 How then shall they call on him in whom they have not believed? and how shall they believe in him of whom they have not heard? and how shall they hear without a preacher?

15 And how shall they preach, except they be sent? as it is written, How beautiful are the feet of them that preach the gospel of peace, and bring glad tidings of good things!

16 But they have not all obeyed the gospel. For Esaias saith, Lord, who hath believed our report?

17 So then faith cometh by hearing, and hearing by the word of God.

OK, so if out of a group of 100, they all hear the Word and are convicted by the Spirit, but only 20 believe. Are the 20 who end up receiving Jesus as Lord and Savior less depraved than the 80 who didn't? What made the difference?

JOHN 3
19 And this is the condemnation, that light is come into the world, and men loved darkness rather than light, because their deeds were evil.

20 For every one that doeth evil hateth the light, neither cometh to the light, lest his deeds should be reproved.

21 But he that doeth truth cometh to the light, that his deeds may be made manifest, that they are wrought in God.

1. We all are born with a certain amount of faith so when we hear the Gospel we believe according to our faith
2. Upon hearing the Gospel faith is created.
3. Faith is given beforehand to those who God desires to save so when hearing the Gospel they believe.

Which would you say most accurately portrays the way biblical faith comes into a person's life? Perhaps you have your own understanding?

Of course the above is a rough outline of three camps
1. Semi-Pelagian (Rome, most evangelicals)
2. Lutheran
3. Calvin (Reformed)

We beleive according to the faith of Christ that does work in us to both will and do the good pleasure of God. we should do so without murmuring. What about him or her? We cannot have our brand new faith in respect to our own self. That would cause us to blaspheme his Holy name.

We are born with no faith that could please God. Not little none. We have no qualifier by which we could hear .He works to give us ears to hear what the Spirit is saying . Like Rise Lazarus dead four days. Christ gave him the power to move as the Holy Spirit did work to both will and do his good pleasure .. . . Faith departed in the garden. .Christ by his work of faith reestablishes it at the cross by His work of faith as our Faithfull Creator. .

God calls the faithless ones a froward generation the evil generation of natural man (no faith)

Deuteronomy 32:20 And he said, I will hide my face from them, I will see what their end shall be: for they are a very froward generation, children in whom is no faith.

I guess it depends, As worded, # 2 sounds like whoever hears the word, Their faith is automatically created. What if the person hears the word and never comes to faith? It might just be the way I am reading it?